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To: Graustus who wrote (1942)	12/18/2025 4:50:31 PM
From: Steve Felix	2 Recommendations Recommended By CusterInvestor Graustus Read Replies (1) \| Respond to of 1945

Merry Christmas to you and your family Graustus! Nothing wrong with me that a lobotomy wouldn't fix. Had my sister up for Thanksgiving. Doesn't seem like my sister anymore. Wasn't bad until it was time to leave, when she had a meltdown about who was going to take her back. Hate myself every day for not going to see her more. It makes me cry when I leave. Mom is getting to be certifiable. Hallucinations coming more often. The other day she saw two women at our mailbox, two boys playing on the couch, a little girl in the dining room, and someone looking in the windows. Ativan brings her back in 10/15 minutes. After the wife put her to bed, we got a movie on. 15 minutes in, I hear mom talking. I went back and listened at the door. She couldn't really finish her thoughts, but just kept going. Went on through the whole movie. When it was over, I walked back and said "if you girls don't quit talking and go to sleep, I'll have to split you up". And, all was silent after that. Sometimes she calls me by my dads name, and has to ask where the bathroom and her bedroom are. My patience gene must be messed up. My wife, former nurse, does everything for her, and mom treats her like crap. The other night, the wife, sitting less than ten feet away, reminded mom she had to brush her teeth after the treatment. Mom said "If you want to talk to me, come over here". I lost it. I'm just too close to the edge to put up with that shit. Seriously bad. Met with the elder lawyer on Tuesday for my sisters kids in Missouri. Seems to know what he is doing. Gift to her kids, Medicade annuity, and pay off the house. My current job is to sell and withdraw $300/350k by the end of the year, to keep the taxes lower than a one year withdrawal, and try to keep them below where they will take a big hit to their Medicare and lower their SS payments. $400k house, with $150k to pay off yet. Lawyer put down my sister just paying it off, and later, I decided that didn't work with me. It's a messed up affair. His two kids, her two kids. Everything was good until my sister went in the home. Since then, my brother-in-law has paid the $1000 a month payment, plus the taxes for three years. Comes to $47k. I'm willing to throw in the next 5 years of taxes = $25k. To make his total $72k. My mind says my sister puts $72k toward the $150k owed to make them even and they split the $78k left. $38k each. I'll find out tomorrow if he sees things my way. From my point of view, my sister is prepaying toward the next five years taxes, when we could all be dead. Also, not forcing the sale of the house, where the rent would be twice what the payment is now. He had agreed at the lawyers office, to have me go along and change his will from his two getting the house, to splitting it four ways. Maybe all will change when we meet tomorrow. His financial guy, ( that's me ) knows he gifted each of his kids $10,000 from his IRA this year, so poor mouth isn't going to work. My mind is saying I start over with the smaller growth IRA at the end of December, if I don't have a heart attack before then. Lately, I have one or two nights a week, where after two or three hours I'm done. One thing I have done is get the grandkids closer to parity. Figured the oldest was $20k behind, and the next $11k. Cashed some SGOV and gave each half of what I figured they had coming. Then I decided the two youngest should get something for Christmas and gave then each $1,000. So now I owe the oldest $11k and the next oldest $6,500. I figured 3k a month, so I should be done in June. If I feel a heart attack coming on, I'll run too the computer. Lol!! Pretty sure my dog is getting tired of me not having time with him. He's a good boy!